Equity
-€14,070
Debts exceed assets in financial year 2025.
Semki
Lifetime
17 annual accounts with figures on one time axispeak €114,991 (2024)
€83,798▼ 27.1%
lowest -€36,039 (2009)
-€18,486▼ €18,399
peak €19,926 (2019)
-€14,070▼ €18,486
€46,318▲ 0.4%
peak 4 FTE (2011)
-not published
Board1 name since 2008
1 directorWILLEMS Ines
Owners
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Gross margin from €114,991 to €83,798Loss of €18,486Equity from €4,416 to -€14,070
Key points
from the 2025 annual accountsLosses
-€33,650 in four years
Every financial year from 2022 to 2025 closed with a loss. 2025 was the heaviest.
Turnover
≈ €200,000 estimated
The accounts state no turnover.
Debts
€46,318 144% of the balance sheet
Suppliers 40%Taxes and wages 39%Other 21%
Of this, €46,261 falls due within a year.
Staff
4 employees on 31-12-2025
In 2025, 9 people joined and 7 left.
Position in the sector
-€18,486
Lower net result than 91% of companies in personal services. Sector median €2,798 · 5,759 companies.
Checked score
53
Fair
Financially stronger than 16% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026lowest value
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.5%▲ +0.2 percentage points vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026
10-2026: 0.8%▲ +0.2 percentage points vs 09-2026highest value
11-2026: 0.8%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€14,070
Loss of €18,486, the second in a row (financial year 2025)
lowers risk
Size: total assets €32,248
Founded in 2008
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 11% of them on solvency, 41% on liquidity, 9% on profitability and 2% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as Semki has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Semki itself is lower: 0.8% within 12 months. It rests on far more data about Semki than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for Semki. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.53 (0.87 in 2024), below 1. Short-term debt is 143.5% and cash 38.9% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€14,070
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 days early
2024
35 days early
2023
22 days early
2022
28 days early
2021
25 days late
2020
33 days early
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 23 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0899358165
Change of role: WILLEMS Ines, from sole manager to director
Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: WILLEMS Ines · General meeting of 16-11-2023 · Gazette deed
First establishment
Kreatos, Dr. Vanderhoeydonckstraat 49, Lummen
Incorporation
published on 29-07-2008 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as Semki: hairdressing and barber services (NACE 96210). They are comparable in size and age: total assets between €25,100 and €34,500, founded between 2004 and 2011.
Official details
Source: KBO- Status
- Active since 01-07-2008Normal situation
- Activity
- Hairdressing and barber servicesNACE 96210
- Joint committee
- 314Hairdressing and beauty care · annual accounts 2025
- Establishment unit
- 2.173.922.2303560 Lummen, since 29-10-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 08-07-2025
Annual accounts 2025
- €32,248▼ 36.2%
- Employeeson 31-12-2025
- 4▲ 100%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on Semki
Semki files the micro format. That format states no turnover. The gross margin rose from €48,181 in 2009 to €83,798 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Semki
- What is the company number of Semki?
- The company number of Semki is 0899.358.165. The VAT number is the same number with BE in front: BE 0899.358.165.
- Where is Semki based?
- The registered office is at Hongarijenstraat 40, 3294 Diest.Company details
- What does Semki do?
- According to the KBO register, the main activity is hairdressing and barber services (NACE 96210).
- What is the legal form of Semki?
- Semki is a private limited company (BV).
- When was Semki founded?
- Semki was founded on 01-07-2008.
- Is Semki still active?
- Yes, Semki is an active enterprise in the KBO register.
- How many employees does Semki have?
- Semki had an average of 3.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Semki fall under?
- In its 2025 annual accounts, Semki states joint committee 314 (Hairdressing and beauty care).
- What is the turnover of Semki?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €83,798 and 34 comparable companies (NACE 962). It probably lies between €160,000 and €240,000.
- Is Semki profitable?
- In financial year 2025, Semki made a loss of €18,486.
- Where can I find the annual accounts of Semki?
- Semki filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Semki due?
- Semki must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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